Are there any restrictions or precautionary rules? - Home Protection 1-2-3

Are There Any Restrictions or Precautionary Rules? 

Varies depending on which element of the insurance is covered. In general, the insurance is valid in Iceland and on trips abroad as applicable, for up to 92 days from the date of departure from Iceland. Further information on the scope of coverage can be found in the terms and conditions of the insurance.

Where is the insurance valid?

What are the insured's obligations? - Home protection 1-2-3-4

What Are The Insured's Obligations?

When and how is the insurance paid for? - Home Protection 1-2-3-4

The insurance premium must be paid on the due date. Upon renewal, the annual premium is adjusted in accordance with changes in the index from the base index of the agreement. Vörður sends payment claims monthly to online banking services, or annually if the policyholder prefers to pay the premium in a single installment. It is possible to change the payment method via Vörður's online service, “My Pages.” There, policyholders can also choose to pay premiums using a credit card. 

When And How Is The Insurance Paid for?

When does insurance coverage begin and how does it end? - General

Insurance contracts are generally valid for 12 months from the date of acceptance of the offer and issuance of the insurance, and premiums are based on the annual premium. If the insurance is not terminated within that period, it is automatically extended. 

When does insurance coverage begin and how does it end?

How is the insurance terminated? - General 

The insurance can be terminated at any time during the insurance period. 

How is the insurance terminated?

Information Document

What Is Covered?

Covers major loss or damage to your home's furnishings, due to fire, water, burglary, traffic accident, robbery, vandalism, collapse, storm, etc.

Covers damage to household contents caused by fire, water, and burglary.

What Is Not Covered?

Household Contents Insurance

An optional addition that covers accidental damage to the general contents and personal effects of the home. 

Pays compensation for sudden damage to household goods and personal belongings.

Pays compensation if the policyholder or other household members covered by the policy are held liable for damages they cause to others. 

Pays for damages for which you or others covered by the insurance are held liable.

Liability Insurance

Pays compensation for an accident during leisure time, while doing housework or studying. 

Accident Insurance During Leisure Time 

Pays legal costs incurred in civil proceedings. 

Legal Assistance Insurance 

Covers incidental expenses related to specialist support.

Trauma Insurance

The insurance covers the costs if the insured person needs to change their circumstances due to violence in an intimate relationship.

Emergency Help due to Domestic Violence

Pays the value of a prepaid trip if the insured cannot make the trip and is not entitled to a refund. 

Pays the value of a prepaid trip if the insured cannot make the trip. 

Cancellation Insurance

Pays compensation for accidents, illness or death while travelling abroad. 

Pays compensation for accidents and illness while travelling abroad. 

Travel Medical Costs 

Covers loss or damage to luggage due to, amongst other things, fire, burglary, vandalism, or if luggage is lost at the carrier. 

Covers loss or damage to baggage during travel abroad.

Luggage Insurance

Pays compensation when there are delays in the delivery of luggage. 

Luggage Delay Insurance

The list is not exhaustive. See the insurance terms for more details.

Home Protection 2

Property Insurance

Terms and Conditions

Vörður operates according to the various policies and rules that can be found here on the website.

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